GENERALE DE SERVICES ET D'ASSURANCES MONTPELLIER : revenue, balance sheet and financial ratios

GENERALE DE SERVICES ET D'ASSURANCES MONTPELLIER is a French company founded 15 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PEROLS (34470), this company of category PME shows in 2021 a revenue of 947 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-18

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - GENERALE DE SERVICES ET D'ASSURANCES MONTPELLIER (SIREN 528490386)
Indicator 2024 2023 2021 2020 2019 2018 2016
Revenue N/C N/C 947 220 € 834 352 € 818 877 € 804 651 € 577 508 €
Net income 158 460 € 152 765 € 76 954 € 90 765 € 76 657 € 75 476 € 48 122 €
EBITDA N/C N/C 119 669 € 153 884 € 123 851 € 116 075 € 79 813 €
Net margin N/C N/C 8.1% 10.9% 9.4% 9.4% 8.3%

Revenue and income statement

In 2024, GENERALE DE SERVICES ET D'ASSURANCES MONTPELLIER generates positive net income of 158 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2016-2024: 48 k€ -> 158 k€.

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

158 460 €

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Chart evolution

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Assets

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Liabilities

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Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 0%. This very low level reflects a solid financial structure, offering significant room for future investments or acquisitions. Financial autonomy (= Equity / Total assets x 100) reaches 65%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2024) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

0.0%

Financial autonomy (2024) ?
Financial autonomy
Definition
Share of equity in the company's total financing.
Formula
(Equity / Total assets) x 100
Interpretation
> 30% : Good autonomy
20-30% : Average
< 20% : Low

64.744%

Asset age ratio (2024) ?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Interpretation
< 50% : Recent assets
50-70% : Normal wear
> 70% : Aging assets

67.4%

Solvency indicators evolution
GENERALE DE SERVICES ET D'ASSURANCES MONTPELLIER

Sector positioning

Debt ratio
0.0 2024
2021
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.41
Excellent -5 pts over 3 years

In 2024, the debt ratio of GENERALE DE SERVICES ET D... (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.

Financial autonomy
64.74% 2024
2021
2023
2024
Q1: 12.95%
Med: 47.58%
Q3: 76.23%
Good

In 2024, the financial autonomy of GENERALE DE SERVICES ET D... (64.7%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.

Repayment capacity
0.21 years 2021
2021
Q1: 0.0 years
Med: 0.16 years
Q3: 2.52 years
Average

In 2021, the repayment capacity of GENERALE DE SERVICES ET D... (0.21) ranks above the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A reduction effort could improve financial strength.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 273.52. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2024) ?
Liquidity ratio
Definition
Ability to meet short-term debts with current assets.
Formula
Current assets / Current liabilities
Interpretation
> 1.5 : Very good
1-1.5 : Fair
< 1 : Liquidity risk

273.519

Liquidity indicators evolution
GENERALE DE SERVICES ET D'ASSURANCES MONTPELLIER

Sector positioning

Liquidity ratio
273.52 2024
2021
2023
2024
Q1: 123.9
Med: 243.5
Q3: 572.15
Good -6 pts over 3 years

In 2024, the liquidity ratio of GENERALE DE SERVICES ET D... (273.52) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.

Interest coverage
0.0x 2021
2021
Q1: 0.0x
Med: 0.0x
Q3: 1.54x
Average

In 2021, the interest coverage of GENERALE DE SERVICES ET D... (0.0x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.

Working capital requirement (WCR) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments.

Operating WCR (2024) ?
Operating WCR
Definition
Financing requirement generated by the operating cycle (inventory + receivables - trade payables).
Formula
Inventory + Customer receivables - Trade payables
Interpretation
Negative = cash released
Positive = financing needed

0 €

Customer credit (2024) ?
Customer credit (days)
Definition
Average payment term granted to customers.
Formula
(Customer receivables / Revenue incl. VAT) x 360
Interpretation
< 45j : Good
45-60j : Average
> 60j : Long

0 j

Supplier credit (2024) ?
Supplier credit (days)
Definition
Average payment term obtained from suppliers.
Formula
(Trade payables / Purchases incl. VAT) x 360
Interpretation
The longer the term, the better for cash flow

0 j

Inventory turnover (2024) ?
Inventory turnover (days)
Definition
Average storage duration for goods or materials.
Formula
(Inventory / Cost of goods) x 360
Interpretation
The lower the ratio, the faster the turnover

0 j

WCR and payment terms evolution
GENERALE DE SERVICES ET D'ASSURANCES MONTPELLIER

Positioning of GENERALE DE SERVICES ET D'ASSURANCES MONTPELLIER in its sector

Comparison with sector Activités des agents et courtiers d'assurances

Valuation estimate

Based on 193 transactions of similar company sales (all years), the value of GENERALE DE SERVICES ET D'ASSURANCES MONTPELLIER is estimated at 318 927 € (range 150 858€ - 1 456 190€). This multiples method compares the actual sale price of similar companies to their financial indicators (Revenue, EBITDA, Net Income). It provides a market-based indicative estimate.

Estimated enterprise value 2024
193 transactions
150k€ 318k€ 1456k€
318 927 € Range: 150 858€ - 1 456 190€
NAF 5 all-time

Valuation method used

Net Income Multiple
158 460 € × 2.0x = 318 928 €
Range: 150 859€ - 1 456 191€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 193 actual transactions of similar company sales (same NAF code) registered with BODACC between 2016 and 2025.

  • EBITDA Multiple: Preferred method for profitable SMEs. EBITDA reflects the ability to generate cash.
  • Revenue Multiple: Used for growing companies or those with low profitability. Reflects commercial potential.
  • Net Income Multiple: Relevant for mature companies with stable results.

This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).

Similar companies (Activités des agents et courtiers d'assurances)

Compare GENERALE DE SERVICES ET D'ASSURANCES MONTPELLIER with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances

Frequently asked questions about GENERALE DE SERVICES ET D'ASSURANCES MONTPELLIER

What is the revenue of GENERALE DE SERVICES ET D'ASSURANCES MONTPELLIER ?

The revenue of GENERALE DE SERVICES ET D'ASSURANCES MONTPELLIER in 2021 is 947 k€.

Is GENERALE DE SERVICES ET D'ASSURANCES MONTPELLIER profitable?

Yes, GENERALE DE SERVICES ET D'ASSURANCES MONTPELLIER generated a net profit of 158 k€ in 2024.

Where is the headquarters of GENERALE DE SERVICES ET D'ASSURANCES MONTPELLIER ?

The headquarters of GENERALE DE SERVICES ET D'ASSURANCES MONTPELLIER is located in PEROLS (34470), in the department Herault.

Where to find the tax return of GENERALE DE SERVICES ET D'ASSURANCES MONTPELLIER ?

The tax return of GENERALE DE SERVICES ET D'ASSURANCES MONTPELLIER is available on this page. Click on a year in the 'Data by year' section to view the account details (assets, liabilities, income statement). Data comes from INPI (National Institute of Industrial Property).

In which sector does GENERALE DE SERVICES ET D'ASSURANCES MONTPELLIER operate?

GENERALE DE SERVICES ET D'ASSURANCES MONTPELLIER operates in the sector Activités des agents et courtiers d'assurances (NAF code 66.22Z). See the 'Sector positioning' section above to compare the company with its competitors.